This page is for informational purposes only. MyChoice is not affiliated with this company.
Sonnet Car Insurance: Digital Overview
| Available in Canada? | Yes. Sonnet offers online auto insurance in Ontario, Quebec, New Brunswick, Nova Scotia and Prince Edward Island. |
| Available in Ontario? | Yes. |
| Direct, broker or affinity distribution | Direct-to-consumer digital insurer. Policies cannot be purchased through a broker or dealership; eligible groups and affinity partners may receive discounts. |
| Underwriting company | Sonnet Insurance Company, a Definity Financial Corporation subsidiary. |
| How to get a quote | Quote, customize and buy directly online at sonnet.ca. |
| How to report a claim | Start a claim through the Sonnet online account or mobile app; 24/7 claims support is available through Sonnet’s contact channels. |
| Digital account or app | Yes. The online account manages policies and claims. The iOS/Android Sonnet app provides policy documents, digital slips, payments, coverage changes and digital claims; the app is required for Sonnet Shift. |
Building a Sonnet Auto Policy Online
- Ontario auto policies offer mandatory liability and accident-benefits coverage plus optional collision and comprehensive coverage.
- Sonnet’s Enhanced Protection Bundle includes rental-car-related protection; the Ontario page says rental costs can be covered after an at-fault collision or during a comprehensive claim, subject to selected coverage and policy terms.
- Sonnet Shift is voluntary usage-based insurance in Ontario and Quebec. The app scores driving and applies discounts or surcharges; it also includes a mileage discount.
Read More: What Coverages Are Available in Ontario
Sonnet Discounts Built Into an Online Quote
- Sonnet publicly lists home-and-auto bundling, multi-vehicle, multi-location, claims-free, ticket-free, university/college student or graduate, group/association and Ontario winter-tire discounts, subject to eligibility.
- Ontario drivers can also use Sonnet Shift: Sonnet advertises up to 35% savings for safer driving plus up to 10% for driving less, while warning that riskier driving may produce a surcharge.
Starting and Tracking a Sonnet Claim
About Sonnet Car Insurance
Car insurance has been a driving staple for as long as cars have been popular. This has resulted in car insurance getting the reputation of being an expensive chore that frequently leaves drivers out to dry.
Sonnet is a digital-first home and auto insurer that launched in 2016. It lets customers quote and buy online and uses licensed agents for support. Pricing and claims outcomes vary by customer, so the article should avoid guaranteeing affordability or claim performance.
Sonnet Customer Ratings Beside Digital Insurers
| Insurance Provider | Company’s Online Rating |
|---|---|
| Sonnet | 1.5/5 |
| Aviva | 4.5/5 |
| Esurance | 1.3/5 |
| Economical | 2.2/5 |
| PC | 4.4/5 |
Sonnet Car Insurance Pros & Cons
Below are some main pros and cons of getting car insurance with Sonnet. These are based on the company’s online reviews.
| Pros | Cons |
|---|---|
| Competitive Initial Rates | Rate Increases Over Time |
| Efficient and Easy Claims Process | Slower Than Usual Claims Resolution |
| Good Customer Service Experience (Initially) | Difficulty in Resolving Simple Issues |
| Backed by Economical, a Large Insurance Provider | |
| Good Handling of High-Damage Claims |
What Other Insurance Products Does Sonnet Offer?
Sonnet currently offers home and auto insurance in Ontario, Quebec, New Brunswick, Nova Scotia and P.E.I.; in Alberta and B.C. it offers home insurance only. It does not currently serve Saskatchewan, Manitoba, Newfoundland and Labrador, or the territories. Property options include homeowner, condo, tenant and landlord coverage. Pet insurance is offered through Sonnet’s pet channel, with policy documents identifying Petline Insurance Company for that product.
Coverage, limits, exclusions and optional endorsements depend on the selected product and policy. Customers should review the current quote and policy wording; coverage should be compared using the actual terms rather than broad claims that one insurer is more comprehensive than another.